Best Cheap Auto Insurance in Rochester, New York (2024)

Rochester drivers pay about 18% more for car insurance than the national average.

A.M. Steinbach
Escrito porA.M. Steinbach
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A.M. SteinbachEscritor de seguros

Mark Steinbach es un escritor en Brooklyn, NY. Además de su experiencia como redactor publicitario, también es en escritor de televisión con un título de inglés de la Universidad de Harvard. Cuando no está escribiendo, se encuentra jugando tenis o haciendo crucigramas.

Katie Powers
Editado porKatie Powers
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Katie PowersEscritora de seguros

Katie Powers es una escritora de contenido de seguros para Insurify. Desde que completó su título universitario de escritura, literatura, y publicación, está acabando un título de maestría de publicación en Emersion College. En su tiempo libre, a ella le gusta leer y salir para largas caminatas.

Konstantin Halachev
Datos revisados porKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering

Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.

Actualizado el 30 de octubre de 2024

Compara cotizaciones de 70+ companías de seguros y ahorra hasta $852

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Las tarifas más baratas encontradas recientemente en New York

Los conductores que utilizan Insurify han encontrado cotizaciones tan baratas como $121/mes para solo responsabilidad y $183/mes para cobertura total en New York.

*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 30 de octubre de 2024

Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 30 de octubre de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.

*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 30 de octubre de 2024

Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 30 de octubre de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.

Rochester drivers pay an average of $164 per month for car insurance, which is significantly lower than the New York state average of $258 per month. On the southern shore of Lake Ontario, Rochester has an extensive network of highways that reduces traffic in the city. This lack of gridlock may contribute to the city’s reasonable auto insurance rates.

Travelers, Safeco, and Erie offer some of the lowest average rates to drivers in Rochester. Learn more about the cheapest car insurance options in Rochester and how to find the best rate for your unique driving profile.

Datos Breves
  • On average, Rochester drivers pay $140 per month for liability coverage and $188 for full-coverage insurance.

  • New York allows insurers to factor in your credit score when determining rates.[1]

  • Because New York is a no-fault state, each driver involved in an auto accident needs to file a claim with their insurer.[2]

Find Car Insurance in Rochester, New York

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Best car insurance companies in Rochester

Before choosing a car insurance company, you should consider your budget and specific coverage needs. The right insurer for you might look different than the best insurer for another driver.

The three car insurance companies below offer Rochester drivers a unique combination of low prices and high customer satisfaction ratings.

Best insurer for cheap rates: Travelers

Compare personalized, real-time quotes
User Reviews
3.4
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$256/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$361/mo

In business for more than 165 years, Travelers offers the cheapest auto rates in Rochester. Policyholders can save even more through a number of discounts for bundling multiple policies, safe driving, paying in full, earning good grades, and more.

Travelers earned an AM Best financial strength rating of A++ (Superior). The company also has a below-average number of complaints filed with the National Association of Insurance Commissioners (NAIC) complaint index.

Ventajas
  • Accident forgiveness available

  • Robust coverage selections and discount offerings

Contras
  • Rideshare coverage only available in Colorado and Illinois

  • High number of negative customer reviews with the Better Business Bureau (BBB)

Read more driver reviews of Travelers
Vicki - October 27, 2024
Verified

Good but Costly

I had a great experience with Travelers and would still be with them, but I got a better rate with another company.

Nancy - October 23, 2024
Verified

Not Great by Any Means

Be careful when you submit a claim! They actually owe me $1,000 from five years ago and I still haven't received it.

Birdie - October 21, 2024
Verified

Expensive

I've never needed any claims for over 40 years, have no tickets, and an excellent credit score, yet my rates increased by 50%.

Best insurer for classic car owners: Safeco

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User Reviews
3.4
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.3/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$109/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$121/mo

Owned by Liberty Mutual, Safeco offers several insurance products, including auto, homeowners, renters, and pet insurance. Safeco’s classic car insurance offers plenty of key coverages, including agreed-value coverage, limited-use coverage, and roadside assistance. You can even earn a multi-car discount if you insure your everyday car and a classic car with the company.

The Liberty Mutual brand ranked 13th in the J.D. Power 2022 U.S. Auto Claims Satisfaction Study, falling just below the industry average, and earned an AM Best financial strength rating of A (Excellent).

Ventajas
  • Pays cash back to customers who remain claims-free

  • Many options for customizing car insurance

Contras
  • Limited number of discounts

  • Customer reviews indicate room for improvement in customer service

Read more driver reviews of Safeco
Barbara - October 28, 2024
Verified

Insurance Keeps Going Up

Please stop raising prices.

Carlotta - October 24, 2024
Verified

Excellent

They handled everything very smoothly.

Shirley - October 22, 2024
Verified

My insurance has become so expensive that I can't afford it. I'm on Social Security. Both my car and house insurance have about doubled. I'm just trying to find something I can afford.

My insurance has become so expensive that I can't afford it. I'm on Social Security. Both my car and house insurance have about doubled. I'm just trying to find something I can afford.

Best insurer for teen drivers: Erie

Compare personalized, real-time quotes
User Reviews
3.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$211/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$296/mo

Even though Rochester has fairly reasonable car insurance rates, teens typically pay more. Luckily, Erie offers a number of discounts for young drivers. The youthful driver discount offers savings to unmarried drivers younger than 21 who live with their parents. Plus, the youthful driver longevity discount rewards drivers who stay on their parent or guardian’s policy for multiple years.

The company ranked third in the J.D. Power 2022 U.S. Auto Claims Satisfaction Study and has an A+ rating from the Better Business Bureau (BBB).

Ventajas
  • Excellent BBB, J.D. Power, and AM Best ratings

  • Competitive rates for teenagers and drivers with speeding tickets

Contras
  • Fewer additional coverage options than some other insurers

  • Policy purchasing and claim filing not available online

Read more driver reviews of Erie Insurance
Satina - October 28, 2024
Verified

Erie Insurance Unreliable

The service is not good, and they are unclear about some policy benefits like 24-hour towing, which is non-existent but included in the policy.

Lana - October 25, 2024
Verified

Expensive but Efficient Company

Erie provides excellent claims service if you ever need it, but their rates are fairly expensive. I've been with them for 55 years.

Shannon - October 19, 2024
Verified

Could be Better

I had an unfortunate accident and they were very helpful at the time managing the claim, so the company was great. My rate did go up which I expected and it was reasonable at the time. When my policy was supposed to renew the following year, they wanted to again increase my rate by almost $100 per month. The insurance broker I dealt with was very rude when I called about canceling my policy because unfortunately, I can't afford that kind of increase as a single parent with one income.

Cheapest liability-only car insurance in Rochester

Liability insurance covers the other driver’s repair costs and medical bills if you have an accident. However, a liability-only policy won’t cover your medical expenses or vehicle damage.[3] This coverage can work well for drivers of inexpensive or older vehicles with lots of mileage. Otherwise, you may want to purchase additional coverage for more protection.

Here are the cheapest companies in Rochester for liability-only car insurance.

The below rates are estimated rates current as of: domingo, 1 de septiembre, 0:00 p. m. GMT-7
Datos revisados por Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering

Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.

Insurance Company
Average Monthly Quote
CSAA$84
Safeco$109
Liberty Mutual$127
Progressive$157
Erie$211
USAA$219
Bristol West$253
Travelers$256
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Cheapest full-coverage car insurance in Rochester

Full-coverage insurance policies provide more protection than liability-only policies by including collision coverage, which covers your vehicle repairs after an accident regardless of fault, and comprehensive coverage, which covers damage from non-collision events like fire, vandalism, or severe weather.

Because full-coverage insurance offers more robust vehicle and financial protection, it’s more expensive than a liability-only policy. Drivers of new or high-value cars should consider purchasing this coverage. If you finance or lease your vehicle, your auto lender may require you to have this coverage.

Here are the cheapest car insurance options for full-coverage policies in Rochester.

The below rates are estimated rates current as of: domingo, 1 de septiembre, 0:00 p. m. GMT-7
Datos revisados por Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering

Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.

Insurance Company
Average Monthly Quote
Safeco$121
CSAA$127
Liberty Mutual$185
Progressive$220
Bristol West$292
Erie$296
USAA$308
Travelers$361
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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Car insurance requirements in New York

New York drivers must carry a minimum amount of liability insurance to drive legally in the state. Because New York is a no-fault state, both drivers must file claims with their auto insurer after an accident, regardless of fault.[4] Drivers also need to purchase personal injury protection (PIP) coverage, which kicks in to pay for medical expenses, lost wages, and more.

You could face license and registration suspension if you fail to maintain the required car insurance in New York.[5] Find the specific requirements for liability and no-fault coverage in New York below.

Coverage
Minimum Requirements
Bodily injury liability
  • $25,000 per person ($50,000 for a death)
  • $50,000 per accident ($100,000 for death of two or more people)
Property damage liability
  • $10,000 per accident
Personal injury protection (PIP)
  • $50,000 per accident

Beyond liability and PIP coverage, drivers in New York can also purchase the following optional coverages:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance covers damage to your car after an auto accident or a collision with an object, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    If you face damage to your car from a non-collision event, such as theft, vandalism, or severe weather, comprehensive coverage kicks in.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage pays for your repairs and medical bills if you have an accident with a driver who doesn’t have enough or any insurance.

Cheapest car insurance for Rochester drivers with an incident

Drivers with incidents on their driving record — such as a speeding ticket, driving under the influence charge, or at-fault accident — pay higher average rates for car insurance. Auto insurers see you as riskier to insure after an incident, so they charge higher premiums to offset that risk. How much a Rochester driver’s rate increases varies by the severity of the incident.[6]

Find Car Insurance in Rochester After an Accident

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Cheapest car insurance for drivers with a speeding ticket

Receiving a speeding ticket will typically increase your car insurance rates. Drivers in Rochester with one or more tickets may have to search a bit harder to find affordable rates. However, a single speeding ticket shouldn’t increase your premium by a significant amount.

Here are the cheapest car insurance companies for drivers in Rochester with a speeding ticket on their driving record.

The below rates are estimated rates current as of: domingo, 1 de septiembre, 0:00 p. m. GMT-7
Datos revisados por Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering

Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.

Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
Safeco$143$129
CSAA$152$100
Liberty Mutual$235$162
Progressive$256$183
Bristol West$341$295
Erie$355$253
USAA$359$255
Travelers$425$301
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Cheapest car insurance for drivers with an at-fault accident

Filing a claim after an at-fault accident will typically result in an increase in your insurance rates. The severity of the rate increase will vary by company, but you can expect to deal with higher premiums after an accident for about three years.[7]

Here are the Rochester auto insurers offering the cheapest rates to drivers with an at-fault accident.

The below rates are estimated rates current as of: domingo, 1 de septiembre, 0:00 p. m. GMT-7
Datos revisados por Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering

Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.

Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
Safeco$145$130
CSAA$162$107
Liberty Mutual$244$168
Progressive$273$195
Bristol West$355$308
Erie$371$265
USAA$377$268
Travelers$446$316
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Cheapest car insurance for drivers with a DUI

A DUI is the most serious violation a driver can receive and will often result in the steepest increase in car insurance rates. A car insurance company may even choose not to renew your policy if you receive a DUI.

The following insurance companies offer the lowest average rates for Rochester drivers with a DUI on their record.

The below rates are estimated rates current as of: domingo, 1 de septiembre, 0:00 p. m. GMT-7
Datos revisados por Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering

Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.

Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
Safeco$184$166
CSAA$193$128
Liberty Mutual$281$193
Progressive$335$239
Bristol West$444$385
Erie$450$321
USAA$468$333
Travelers$549$389
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Cheapest car insurance for Rochester seniors

Though young people tend to deal with high insurance costs, rates typically decrease steadily between your 30s and early 70s. But senior drivers may see their rates increase again after age 75 because insurers see drivers in that age group as higher risk. Senior drivers typically pay more than middle-aged drivers but much less than drivers younger than 30.

Here are the cheapest insurance companies for older drivers in Rochester.

The below rates are estimated rates current as of: domingo, 1 de septiembre, 0:00 p. m. GMT-7
Datos revisados por Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering

Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.

Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
CSAA$72$48
Safeco$87$78
Progressive$110$78
Liberty Mutual$125$86
Erie$166$118
Bristol West$188$163
USAA$195$139
Travelers$220$156
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Cheapest car insurance for Rochester teens

Teen drivers have a much higher accident rate than drivers 20 and older, according to the Centers for Disease Control and Prevention (CDC).[8] Insurance companies typically view teenagers as high-risk drivers and charge them higher rates to offset this risk. Teens can lower their rates by joining their parents’ insurance policy, driving a safe car, and earning a good student discount.

Certain car insurance companies also offer more affordable rates to teen drivers. Here are the cheapest auto insurance companies in Rochester for teens.

The below rates are estimated rates current as of: domingo, 1 de septiembre, 0:00 p. m. GMT-7
Datos revisados por Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering

Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.

Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
CSAA$210$139
Safeco$245$221
Liberty Mutual$333$228
Progressive$398$284
Bristol West$502$435
Erie$506$361
USAA$522$371
Travelers$661$469
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

How to get the cheapest car insurance in Rochester

Rochester drivers pay 18% more than the national average for car insurance. You can find the best deal in the area for you by using these strategies:

  • Raise your deductible. Your deductible describes the amount you need to pay out of pocket on a claim before your insurance kicks in. Higher deductibles generally lead to lower monthly premiums.

  • Choose the right car. Choosing a car with a strong safety record and advanced safety features is a good idea if you’re looking for cheap auto insurance.

  • Bundle home and auto. Purchasing car insurance and home insurance from the same company may qualify you for a bundling discount. The same applies to other insurance products, like renters and life insurance.

  • Shop around and compare quotes. Companies offer different rates on auto insurance coverage. Receiving quotes from at least three companies and comparing them side by side is the best way to find the cheapest car insurance rates.

Find Cheap Car Insurance in Rochester, NY

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Rochester car insurance quotes by credit tier

Consumer advocates in New York have recently pushed lawmakers to stop using credit scores to determine car insurance rates. But credit is still a factor when it comes to insurance coverage in the Empire State. As the chart below shows, drivers with excellent or good credit scores pay less than drivers with poor credit scores.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Rochester?

Rochester drivers pay $164 per month for car insurance, which is $25 more than the national average rate of $139 per month. Car insurance rates vary by city due to a variety of factors. Local property values, repair costs, weather patterns, and crime rates all influence a given ZIP code’s average rates. More expensive cities usually have higher car insurance rates.

Drivers in Rochester pay around 57% less, on average, for car insurance than the overall average in the state of New York. Drivers in more populated, urban environments in the state — like New York City, the Bronx, and Brooklyn — face much higher rates than Rochester drivers.

More cities in New York

Car insurance rates in Rochester are lower than average premiums in New York City, Buffalo, Staten Island, and more. Drivers in Albany or Schenectady pay even lower rates.

The table below shows how the average full-coverage car insurance rate of $188 per month in Rochester compares to other cities in New York.

City
Average Monthly Quote
Compared to Rochester
Albany$154-18%
Bronx$36494%
Brooklyn$37499%
Buffalo$23424%
Jamaica$33578%
New York City$33075%
Schenectady$176-6%
Staten Island$31467%
Syracuse$1985%
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Rochester car insurance FAQs

Before you begin comparing quotes from various insurers, you should consider how much coverage you need. The following process should help you navigate the insurance-buying process in Rochester, New York.

  • How much is car insurance in Rochester, NY?

    The overall average cost of car insurance in Rochester is $164. On average, drivers in the city pay $140 per month for liability-only coverage and $188 for full-coverage insurance. Your specific premium depends on your driver profile, vehicle type, insurer, and more.

  • What are the best car insurance companies in Rochester?

    With an Insurify Quality (IQ) Score of 4.4 out of 5 and an AM Best financial strength rating of A+ (Superior), Erie is the best car insurance company in Rochester. Other top insurers include Travelers, which offers the cheapest rates in the city, and Safeco, which offers quality classic car coverage.

  • Is car insurance cheaper in New Jersey or New York?

    Car insurance is generally more expensive in New York than in New Jersey. On average, New York drivers pay $258 per month for car insurance, while New Jersey drivers pay $153 per month.

  • Is New York a no-fault state?

    Yes. New York is a no-fault state. This means, in the event of an accident, both drivers must file claims with their auto insurers. In addition to liability coverage, drivers in New York must purchase a minimum amount of personal injury protection (PIP) coverage. PIP coverage can pay for your medical expenses, lost wages, and more following an accident.

Metodología

Las cotizaciones de seguros de auto que se muestran se basan en un análisis de la base de datos de Insurify de más de 40 millones de cotizaciones de 500 códigos ZIP a nivel nacional. Para obtener las tarifas representativas, el equipo de datos de Insurify realiza análisis exhaustivos frecuentes de los factores utilizados por las aseguradoras de autos para calcular tarifas, incluyendo datos demográficos del conductor, historia del conductor, puntuación de crédito, nivel de cobertura deseado y más.

El análisis de Insurify también incorpora la puntuación compuesta Insurify (ICS) asignada a cada compañía de seguros. La ICS es una puntuación propietaria que pesa factores que reflejan la calidad, fiabilidad y salud de una compañía de seguros. Las puntuaciones utilizadas para calcular la ICS incluyen las puntuaciones financieras de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntuaciones de J.D. Power; encuestas de satisfacción de consumidores de Consumer Reports y denuncias de consumidores; opiniones de los usuarios en las aplicaciones móviles y opiniones de los usuarios en las compañías; y las opiniones de los usuarios en las compañías.

Con los análisis y métodos de clasificación anteriores, Insurify es capaz de ofrecer a los consumidores de seguros de autos una perspectiva de cómo varían las cotizaciones de las compañías de seguros en relación a uno a uno en términos de costo y calidad. Tenga en cuenta que las cotizaciones reales varían según los atributos únicos incluidos en la poliza del conductor y su dirección de garaje.

Sources

  1. New York State Department of Financial Services. "Applying for Auto Insurance."
  2. New York State Department of Financial Services. "Minimum Auto Insurance Requirements Coverage."
  3. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  4. NOLO. "New York No-Fault Car Insurance."
  5. New York State Department of Motor Vehicles. "New York State Insurance Requirements."
  6. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  7. Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
  8. Centers for Disease Control and Prevention. "Teen Drivers: Get the Facts."
A.M. Steinbach
A.M. SteinbachEscritor de seguros

Mark Steinbach es un escritor en Brooklyn, NY. Además de su experiencia como redactor publicitario, también es en escritor de televisión con un título de inglés de la Universidad de Harvard. Cuando no está escribiendo, se encuentra jugando tenis o haciendo crucigramas.

Katie Powers
Editado porKatie PowersEscritora de seguros
Photo of an Insurify author
Katie PowersEscritora de seguros

Katie Powers es una escritora de contenido de seguros para Insurify. Desde que completó su título universitario de escritura, literatura, y publicación, está acabando un título de maestría de publicación en Emersion College. En su tiempo libre, a ella le gusta leer y salir para largas caminatas.

Konstantin Halachev
Datos revisados porKonstantin HalachevVP of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering

Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.

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